Discuss what you need with your realtor. 

You should have a normal, run-of-the-mill exchange now (barring challenged with any other variables you haven't discussed here). 

Hope that helps a bit, happy to connect if you have any questions or would like to discuss further.

Payment insurance, underwriting, and third-party fees at execution.

This subject (ADUs) is discussed here often....they are the newer shiny object in the room and everyone is excited about them. 

There are some new builds in the mid 200's that have some potential, but they come with a high HOA fee.

Hey @Ashdale Pitter and @Tyler Walker I wanted to reopen this discussion, as I recognize it is over a year old. 

We do not want to spend more money in attorney fees than what each property is valued at in getting the deeds as well as quiet title actions. 

From what I recall it is addressed using a 1 page addendum that says something to the effect of "the borrower is partnering on the purchase of the property with the lender, and is paying a fee equal to XYZ for the sole right to the ownership of the home".

This, plus the usual BS fees from the town, would cost me about $3500.